In the year 2026, for Elizabeth within Union county, NJ, the USDA loan limit is set at $0. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Leverage the Lendersa® USDA loan calculator to effectively compare current top rates between USDA and FHA loans. This tool helps determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, guiding you to choose the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® is focused on securing the best USDA or FHA loan for you efficiently and with ease. Select from three starting strategies that will align you with lenders and USDA loan options.
A USDA home loan, offered by the government Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require a down payment, making them more attainable for rural home buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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